Brown ground beef and onions together. Drain if necessary.
Add garlic, salt, chili powder, pepper, cumin, tomatoes and water.
Simmer while you prepare cornbread.
In a bowl mix together cornmeal, flour, salt, and baking powder
Add remainder of ingredients except cheese, and whisk until smooth.
Pour over chili and smooth.
Sprinkle with cheese and bake uncovered at 400 degrees for about 25 minutes or until cornbread is done in center. Check doneness with a spoon or knife before serving.